Interface News reporter | Liu Chenguang

May 7thSolcasinonodepositbonuscodes2022Shenzhen Huimin Insurance was officially launched in 2024.

The data show that Shenzhen Huimin Insurance is a universal commercial supplementary medical insurance under the guidance of the government and jointly covered by China Life Insurance, PICC property Insurance, PICC Health Insurance and Ping an Health Insurance, which is closely linked with basic medical insurance, serious illness insurance, and medical assistance. the scope of protection covers high medical expenses both inside and outside the medical insurance catalogue, effectively reducing the burden of medical expenses on patients with serious and serious diseases. Since its launch in 2023, Shenzhen Huimin Insurance has attracted wide attention from the society, with the number of participants exceeding 6 million in the first year.

It is understood that in 2024, "Shenzhen Huimin Insurance" continues to adhere to the loose conditions of "unlimited diseases, unlimited age, and unlimited household registration". Participants in Shenzhen's basic medical insurance can all participate in the insurance voluntarily, which has the remarkable characteristics of low threshold, low premium and high security. Under the condition that the premium remains unchanged at 88 yuan, the insured amount exceeds 4 million. By reducing the deductible, broadening the scope of protection, and adding new health service items, the security content will be upgraded, which is mainly reflected in three aspects:

The first is to lower the threshold for claims settlement. Compared with last year, the deductibles for various benefits of Shenzhen Huimin Insurance in 2024 have been comprehensively reduced, including the expenses in the medical insurance catalogue, hospitalization compliance drugs and inspection expenses, and rare diseases at their own expense. The deductible is from the original 1.Solcasinonodepositbonuscodes202260,000 yuan was reduced to 15000 yuan; the deductibles for out-patient compliance drugs and "Hong Kong and Macao medicine and equipment" expenses were reduced from the original 40,000 yuan to 35000 yuan; at the same time, for the insured who continuously participated in Shenzhen Huimin Insurance, the deductibles for the above-mentioned benefits decreased by another 1000 yuan, or more than 12 percent.

Second, broaden the scope of protection. Take "anti-D immunoglobulin injection" as a new special treatment to support fertility; increase the protection of hospitalization at one's own expense for compliance with consumables; gradually solve the burden of medical expenses for high self-expense consumables of the masses, with a deductible of 15000 yuan (14000 yuan for continuous insurance). Pay 70%, the annual payment limit is 100000 yuan A new ambulance fee guarantee will be added to pay 100 yuan per year for the ambulance expenses incurred by the insured due to acute illness or accidental injury.

Third, new health services should be added. In 2024, Shenzhen Huimin Insurance added five new health management services on the basis of the original health management services, so that the insured can enjoy more rights and interests in addition to the protection of treatment.

According to Wu Chao, general manager of China Life Shenzhen Branch, as of May 6, 2024, Shenzhen Huimin Insurance has paid a total of nearly 100000 people, with a per capita compensation of 16000 yuan, of which a single person pays a maximum of 1.09 million yuan, a single maximum of 1.06 million yuan, and a wide range of compensation age. the maximum compensation age is 101years old, and the minimum compensation age is less than 1 year old. In terms of the settlement of claims for various benefits, the amount of compensation for hospitalization and outpatient expenses accounts for 70% of the total compensation.

It is worth mentioning that "Shenzhen Huimin Insurance" realizes "one-stop" direct settlement of claims. While insurants seek medical treatment in the province to settle medical insurance expenses, they also realize the settlement of "Shenzhen Huimin Insurance", effectively reducing the number of people running errands. Data show that at present, "one-stop" claims account for 99%.